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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,127 | $211,239-76.3% | $178,528-71.9% | $145,877-65.6% |
| Participation rate | 60.0% | 80.8%-20.8pp | 77.1%-17.1pp | 80.3%-20.3pp |
| Annual return | 13.15% | 30.22%-17.1pp | 27.11%-14.0pp | 551.28%-538.1pp |
| Employer contribution / active EE | $1,958 | $4,570-57.2% | $3,950-50.4% | $4,663-58.0% |
| Participant deferral / active EE | $5,621 | $6,963-19.3% | $6,278-10.5% | $6,691-16.0% |
| Admin fee / account holder | $5,623 | $12,095-53.5% | $10,419-46.0% | $13,402-58.0% |